Commercial Insurance

In-Network Commercial Insurance

Patients with a commercial insurance plan for which Athena Diagnostics is a contracted provider are subject to the deductible, co-insurance or co-pay obligations of their plan. We will bill insurance directly for all of our services with no up-front charges paid to Athena Diagnostics by the patient unless testing is not covered by the contracted payer. We will forward the appropriate notification of obligation to the patient as specified by the Explanation of Benefits (EOB). In all instances, Athena Diagnostics will adhere to the terms of the patient’s individual policy insofar as payments for services are concerned. Patients should check with their local provider for pre-authorization and coverage questions related to our services.  When possible, Athena Diagnostics will provide pre-authorization concierge support for the clinician and patient before the sample is drawn.

The following insurance plans are in-network:

  • Aetna
  • Anthem Blue Cross of CA
  • Anthem Blue Cross of CT
  • Anthem Blue Cross of ME
  • Anthem Blue Cross of NH
  • Blue Cross Blue Shield of MA
  • Blue Cross Blue Shield of NM
  • Cigna 
  • Empire Blue Cross Blue Shield
  • Federal Blue Cross Blue Shield
  • Harvard Pilgrim Health Care
  • Horizon Blue Cross of NJ

Out-of-Network Commercial Insurance

Athena Diagnostics accepts all commercial insurance plans, however, we do not have contracts with all commercial insurance plans. We will file claims and appeals with a patient's insurance plan. Athena Diagnostics will bill the patient for any charges not paid by the insurance.

For plans that send payment directly to their members (including many BCBS plans), the patient may be required to submit a deposit of $100, however, the deposit is not required to move forward with testing. The patient must also agree, that if they receive payment from their insurance carrier for Athena services, they will endorse the check and send it to:

Athena Diagnostics
P.O. Box 638396
Cincinnati, OH 45263-8396